Providing on-line non-downloadable software that allows businesses to prepare and provision user-selected content to mobile devices through secure and authenticated over-the-air (OTA) or IP networks and enables businesses to deliver targeted marketing content in the form of coupons, promotions, rewards and offers to mobile devices by allowing mobile users to dynamically select content such as coupons and promotions, payment cards, pre-paid cards, gift and loyalty cards, transit cards and even...